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HFO Services

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Comments

  • Gavhough
    Gavhough Posts: 51 Forumite
    Thanks fermi. ill send that one as soon as i get back again!
  • Gavhough
    Gavhough Posts: 51 Forumite
    Is it a good or bad thing that HFO have not replied to the letter from the link Fermi posted?

    Hope they have given up!
  • siscor
    siscor Posts: 18 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Almost 2 months have passed.... did you have your credit report changed or received any letter from HFO?
    siscor

    Barclays claimed £260, solved with £75
    Barclayscard -> HFO Services claimed £2000, not solved yet :(
  • Gavhough
    Gavhough Posts: 51 Forumite
    siscor wrote: »
    Almost 2 months have passed.... did you have your credit report changed or received any letter from HFO?

    I have not recieved a thing from HFO, have not checked my credit report. Do you advise i should?
  • Bravehearted_2
    Bravehearted_2 Posts: 669 Forumite
    Most likely your credit file has been trashed.

    Not paying your loan has consequences.
  • fatbelly
    fatbelly Posts: 23,724 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Gavhough wrote: »
    I have not recieved a thing from HFO, have not checked my credit report. Do you advise i should?

    Probably nothing there. The Welcome entry would have dropped off six years after a default was registered.

    I don't see many (any) HFO entries on credit reports.

    It's worth checking your file once a year but don't pay more than £2 to do it.

    http://www.moneysavingexpert.com/loans/credit-rating-credit-score
  • Gavhough
    Gavhough Posts: 51 Forumite
    I last dealt with HFO in September 2011 by sending all the above letters. This morning received a letter from HFO Capital (not HFO Services) based in Dublin. Saying my account has been passed to Roxburghe (UK) Limited, these strangely have the same address as HFO services! Loan was taken 2005 so def statute barred!
    Ignore or send them another stat barred letter?
    Letter I got only says that I must directly correspond with roxburghe!
  • fatbelly
    fatbelly Posts: 23,724 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Do we pretend that we don't know that Roxburghe and HFO are one and the same, and send the SB letter again?

    Or just go straight to the complaint forms: OFT, FOS, Trading Standards, CSA (Credit Services Association)?

    It's your call.
  • thechippy
    thechippy Posts: 1,938 Forumite
    fatbelly wrote: »
    Do we pretend that we don't know that Roxburghe and HFO are one and the same, and send the SB letter again?

    Or just go straight to the complaint forms: OFT, FOS, Trading Standards, CSA (Credit Services Association)?

    It's your call.

    ....Remembering that HFO are still under investigation by the OFT.
    Happiness, is a Kebab called Doner.....:heart2::heart2:
  • thechippy
    thechippy Posts: 1,938 Forumite
    Bravehearted wrote: »
    Most likely your credit file has been trashed.

    Not paying your loan has consequences.

    Thanks for that amazing snippet of information, we didn't know that!!..........
    Happiness, is a Kebab called Doner.....:heart2::heart2:
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